Debt collection
ERC debt collection complaints
Consumers have filed 10,563 complaints about ERC's debt collection. See the whole ERC record.
ERC against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | ERC (Enhanced Recovery Company) | 0 | - | - |
Latest ERC debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| May 17, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 17, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 17, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 17, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 16, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 16, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 15, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 15, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| May 14, 2023 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| May 14, 2023 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| May 12, 2023 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| May 12, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 12, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 12, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 10, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| May 9, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 9, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 8, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 8, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 8, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 8, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 7, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 7, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 6, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 6, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 6, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 5, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 5, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 5, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 4, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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